@Judith Slutler Don't worry, mine is extremely wrong. I am not a workaholic whose love life started late - I have almost no work ethic and have been single for about a year total since I was 17. Though, like most other humans, it's true that I don't like taking risks.

@Scandyhoovian That is completely ridiculous. If you haven't already, I would check with your HR department about whether getting kicked off the insurance you were previously on counts as a "life event", which would mean you could enroll outside of the open enrollment period. It counted for me when I got kicked off my parent's insurance when I turned 26, so maybe it could count for you? Worth a shot anyway.

I will never understand how the insurance companies managed to con the American people into accepting that a 'pre-existing condition' was a good reason not to let them buy insurance. I mean, blah blah free market, capitalism is the best, etc. But for real, that should be a crime.